Notes on wealth, written for the long view.
In-depth essays on what actually compounds — investing, tax, planning, the boring discipline.
Latest essays
11 essays
The Great Wealth Transfer Has Begun: Why 2026 May Be the Most Important Investing Year of This Decade
Learn how AI, India's growth story, inflation, and smart asset allocation are reshaping investment opportunities in 2026. Explore practical strategies to build wealth, optimize taxes, and achieve financial independence.
The complete guide to PMS in India for 2026
What Portfolio Management Services actually are, who they're for, what they cost, and how to evaluate a manager before committing ₹50 lakhs.
Mutual funds vs PMS: which is right for you?
The decision framework: when mutual funds win, when PMS adds value, and the typical blend that works for HNI portfolios.
The defence officer's complete financial independence checklist
A practical 12-point framework for officers transitioning to civilian life — built from interviews with 40+ retired colonels and group captains.
The ₹1.25 lakh LTCG exemption — the most under-used tax tool in India
Every Indian equity investor can harvest ₹1.25 lakhs of long-term capital gains tax-free every year. Most don't. Here's how to set up the workflow.
AIF Category I, II, III: a plain-English explanation
Cut through the jargon. What each AIF category covers, what taxation looks like, and when each makes sense in an HNI portfolio.
How to think about cryptocurrency as part of an Indian portfolio
The 30% tax + 1% TDS reality, why allocation should be 5-10% maximum, and the case for BTC over altcoins.
Why I left a 20-year military career to start a wealth firm
After two decades in the Indian Army, the choice to leave wasn't easy. The reason was clear: the financial advice ecosystem in India is broken.
NRI investing in India: the 2026 rulebook
FEMA, RBI, SEBI, FATCA, DTAA — the rules NRIs need to know in 2026 to invest in India compliantly and tax-efficiently.
How AI is changing wealth management — and what it can't do
Where LLMs add real value in financial planning, where they fall short, and how the role of a human advisor is changing.
Real estate vs equity: settling the Indian investor's eternal debate
Twenty-year data, honest math, and why the answer for most Indian families is 'less real estate than you think.'